Lincoln City Oregon Real Estate on the Central Oregon Coast. Real Estate search tools to find your beach front or ocean view home on the Oregon coast.

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Are you thinking of selling your home on the Central Oregon Coast? You should know exactly what it's worth before making such an important decision.
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First Time Homebuyers: Lincoln City, Depoe Bay and Pacific City Oregon home buying, real estate listings, and homes for sale in Lincoln County, OR

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Lincoln City, Depoe Bay and Pacific City real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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First Time Buyers >More Down Payment Help

One of the most common deterrents to first-time home buyers is the lack of a down payment. However, the home loan industry has practically re-created itself in the last ten years, making it easier than ever to obtain a mortgage, and new mortgage programs are always cropping up.

Some states sponsor loan programs that allow buyers to purchase a home without putting any money down. A parent or other relative can guarantee repayment of ten percent of the loan if the buyer defaults. The only cash needed is for the closing costs, which typically run about three percent of the loan. Parents can also give their children down payment help through a personal note or second trust deed. The terms can be set up for monthly payments or annual payments amortized over a period of time. You could pay the interest only, and have the payoff due when the property is sold.

With so many alternatives, doesn't it make sense to call your real estate agent for a free consultation? You may be closer to home ownership than you think.

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Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Black Walnut Inn & Vineyard
The Black Walnut Inn offers luxurious surroundings in the heart of Oregon's wine country.
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Mary McDonald, REALTORŽ, real estate agent and broker for Lincoln City, Depoe Bay and Pacific City Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Mary McDonald
Coldwell Banker Gesik Realty, Inc
1815 NW Hwy 101
Lincoln City, Oregon 97367
Lincoln City Real Estate
Office: 541-994-7760 ext 232
Office Toll-free: 800-959-7760 ext 232
Cell: 541-992-2748
Fax: 541-994-9582
email: Lc.Mary@gmail.com
I've been a Realtor here on the Oregon coast since 1997. Located in Lincoln City, Oregon I cover from Pacific City and Neskowin south to Roads End, Lincoln City, Olivia Beach, Bella Beach, Devil's lake, Depoe Bay, Newport, Waldport, and Yachats. I am a past owner of a beach vacation rental company and a former managing partner of a coast property investment company. I am a top producing Realtor on the Oregon coast and I would be glad to share my accumulated knowledge with you. If you'd like an experienced Lincoln City Real Estate agent to assist you contact me today! Mary McDonald, Principal Broker

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